Automated implementation of provisioned services based on captured sensor data

ABSTRACT

The disclosed embodiments include computer-implemented systems and processes that perform operations consistent with services provisioned to a device based on real-time sensor data indicative of and characterizing a user&#39;s operation of the device and additionally or alternatively, a system or apparatus that includes the device. For example, the device may obtain stored data identifying a provisioned service, and may obtain sensor data captured by an on-board or external sensor during an operation of the device. Based on the sensor data, the device may generate a usage parameter that characterizes the operation of the device during a temporal period, and perform an operation consistent with the provisioned service in accordance with the generated usage parameter.

CROSS-REFERENCE TO RELATED APPLICATION

This application is a continuation-in-part of, and claims the benefit ofpriority to, pending U.S. application Ser. No. 15/234,947, filed Aug.11, 2016, which claims the benefit of priority to U.S. ProvisionalApplication No. 62/204,768, filed Aug. 13, 2015, the contents of whichare expressly incorporated by reference to their entireties.

TECHNICAL FIELD

The disclosed embodiments generally relate to computer-implementedsystems and processes that automatically perform operations consistentwith provisioned software-based services in accordance with capturedsensor data.

BACKGROUND

Today, as the vision of a shared economy becomes reality, processes thatenable customers to “pay-per-use” resources are increasingly commonacross platforms ranging from shared vehicles to shared kitchenresources. For example, in some vehicle-sharing platforms, a credit cardof a driver may be charged based on a distance travelled in a sharedvehicle or a time of operation. Further, when utilizing shared kitchenresources, a user's credit card may be charged on a temporal basis forany shared equipment or resources consumed during a particular usagesession.

SUMMARY

The disclosed embodiments include computer-implemented systems andprocesses that perform operations consistent with services provisionedto a device based on real-time sensor data indicative of andcharacterizing a user's operation of the device and additionally oralternatively, a system or apparatus that includes the device.

In an embodiment, a device may include a storage unit storinginstructions, a first sensor configured to detect a first deviceparameter, and at least one processor coupled to the first sensor andthe storage unit. The at least one processor may be configured toexecute the instructions to obtain service data identifying a serviceprovisioned to the device and to obtain first sensor data captured bythe first sensor during an operation of the device. In some aspects, thefirst sensor data may be indicative of values of the first deviceparameter. Based on the first sensor data, the at least one processormay be further configured to execute the instructions to generate ausage parameter that characterizes the operation of the device during atemporal period, and to perform an operation consistent with theprovisioned service in accordance with the generated usage parameter.

In other embodiments, a computer-implemented method may includeobtaining, by at least one processor, data identifying a serviceprovisioned to a device, the device comprising a sensor configured todetect a device parameter, and obtaining, by the at least one processor,sensor data captured by the sensor during an operation of the device. Insome aspects, the sensor data may be captured by the sensor during anoperation of the device, and may be indicative of values of the deviceparameter. Based on the sensor data, the method may also includegenerating, by the at least one processor, a usage parameter thatcharacterizes the operation of the device during a temporal period, andperforming, by the at least one processor, an operation consistent withthe provisioned service in accordance with the generated usageparameter.

Further, in certain embodiments, a system may include a plurality offirst sensors and a communications device. In some aspects, the firstsensors may be configured to detect first device parameters, and thecommunications device may include a storage unit storing instructionsand at least one processor coupled to the storage unit and the firstsensors. The at least one processor may be configured to execute theinstructions to obtain data indicative of a service provisioned to thecommunications device, and obtain first sensor data captured bycorresponding ones of the first sensors during an operation of thesystem. In additional aspects, the first sensor data may be indicativeof values of corresponding ones of the first device parameters. Based onthe first sensor data, the at least one processor may be furtherconfigured to execute the instructions to generate a usage parameterthat characterizes the operation of the system during a temporal period,and to perform an operation consistent with the provisioned service inaccordance with the generated usage parameter.

It is to be understood that both the foregoing general description andthe following detailed description are exemplary and explanatory onlyand are not restrictive of the invention, as claimed. Further, theaccompanying drawings, which are incorporated in and constitute a partof this specification, illustrate aspects of the present disclosure andtogether with the description, serve to explain principles of thedisclosed embodiments as set forth in the accompanying claims.

BRIEF DESCRIPTION OF THE DRAWINGS

FIGS. 1A and 1B are diagrams of exemplary computing environments,consistent with disclosed embodiments.

FIG. 2 is an additional diagram illustrating portions of an exemplarycomputing environment, consistent with the disclosed embodiments.

FIG. 3 is a flowchart of an exemplary process for automaticallyperforming operations in accordance with captured sensor data,consistent with disclosed embodiments.

DETAILED DESCRIPTION

Reference will now be made in detail to the disclosed embodiments,examples of which are illustrated in the accompanying drawings. The samereference numbers in the drawings and this disclosure are intended torefer to the same or like elements, components, and/or parts.

In this application, the use of the singular includes the plural unlessspecifically stated otherwise. In this application, the use of “or”means “and/or” unless stated otherwise. Furthermore, the use of the term“including,” as well as other forms such as “includes” and “included,”is not limiting. In addition, terms such as “element” or “component”encompass both elements and components comprising one unit, and elementsand components that comprise more than one subunit, unless specificallystated otherwise. Additionally, the section headings used herein are fororganizational purposes only, and are not to be construed as limitingthe described subject matter.

This specification describes exemplary computer-implemented systems andprocesses that perform operations consistent with services provisionedto a device based on real-time sensor data indicative of, andcharacterizing a user's operation of, the device and additionally oralternatively, a system or apparatus that includes the device. By way ofexample, and as described below, the device may include, or be incommunications with, one or more sensors configured to detect values ofvarious resource-specific parameters during corresponding monitoringperiods. Based on obtained tariff data, the device may initiate one ormore payment transactions, e.g., “micro-payment” transactions, thatreflect actual costs associated with changes in the monitored,resource-specific parameter values during successive temporal intervals,e.g., “payment” periods, and thus, reflect the actual costs associatedwith a consumption of certain resources during these successive paymentintervals.

In one instance, one or more devices may be incorporated within avehicle rented by the user over a particular rental period, e.g., arental period of one hour. These devices may be characterized by varyingprocessing, storage, interface, and/or communications functionalities,and in some aspects, the one or more devices may include a connected,Internet-of-Things (IoT) device. Further, each device may include one ormore sensors configured to monitor and capture data indicative of valuesof various parameters at corresponding monitoring periods, which, incertain instances, reflect a consumption of various vehicle-specificresources during the user's operation of the rental vehicle. Forexample, the monitored parameters may include, but are not limited to, aworking speed of the vehicle's engine at each of the successivemonitoring periods (e.g., as measured in revolutions-per-minute (RPM)),an odometer reading of the vehicle at each of the successive monitoringperiods, a number of shifting operations initiated by an electronic ormanual transmission at each of the successive monitoring periods,metrics indicative of a usage of the vehicle's braking system at each ofthe successive monitoring periods (e.g., a brake pad thickness or anumber of detected activations of an antilock braking system (ABS)),and/or a level of available fuel at each of the successive monitoringperiods.

Further, changes in the values of the monitored parameters over each ofthe successive payment periods may provide a more accurate reflection ofan actual wear-and-tear imposed on the vehicle due to the user'soperation than coarser metrics, such as a length of the rental period ora distance driven by the user during the rental period. Further, theperiodic micro-payment transactions may collectively reflect a true costassociated with that actual wear-and-tear imposed upon the vehicle, asdefined across multiple usage variables, and may also provide adifferent rental cost for each renter based on a corresponding drivingstyle, e.g., parameters indicative of the consumption ofvehicle-specific resources. These exemplary computer-implementedprocesses, as described and claimed below, may be performed by devicesand other computing systems in addition to, or as an alternate to, otherprocesses that characterize the usage of the rental vehicle usingcoarser, time-averaged metrics, such as the length of the rental periodor the distance driven by the user during the rental period.

I Exemplary Computing Environments

FIGS. 1A and 1B are diagrams illustrating an exemplary computingenvironment 100, consistent with certain disclosed embodiments. In someaspects, as illustrated in FIGS. 1A and 1B, environment 100 may includeone or more devices, e.g., device 102, a settlement system 130, one ormore third-party computing systems 160 and a client device 172, whichmay be interconnected through any appropriate combination ofcommunications networks, such as network 152. Examples of network 152include, but are not limited to, a wireless local area network (LAN),e.g., a “Wi-Fi” network, a network utilizing radio-frequency (RF)communication protocols, a Near Field Communication (NFC) network, awireless Metropolitan Area Network (MAN) connecting multiple wirelessLANs, and a wide area network (WAN), e.g., the Internet.

In an embodiment, device 102 may be associated with a user, e.g., user170, and may correspond to a computing device that includes one or moretangible, non-transitory memories that store data and/or softwareinstructions, and one or more processors configured to execute softwareinstructions. The stored software instructions may, in some aspects,include one or more applications or application modules that, whenexecuted by the one or more processors, cause device 102 to performoperations consistent with the disclosed embodiments. Device 102 mayalso include a communications module, such as a wireless transceiverdevice, coupled to the one or more processors and configured by the oneor more processors to establish and maintain communications with network152.

In some aspects, device 102 may include a computing device characterizedby various processing, storage, interface, and/or communicationscapabilities. For example, computing devices consistent with thedisclosed embodiments may include, but are not limited to, a personalcomputer, a laptop computer, a tablet computer, a notebook computer, ahand-held computer, a personal digital assistant, a portable navigationdevice, a mobile phone, a smart phone, a wearable computing device(e.g., a smart watch, a wearable activity monitor, etc.), an embeddedcomputing device, a networking device (e.g., a router), and/or avehicle-based computing device.

In additional aspects, device 102 may correspond to a connected,Internet-of-Things (IoT) device, which may access network 152 through acorresponding hub device or system (not depicted in FIGS. 1A or 1B)configured to manage communications and interactions between theconnected IoT device and other components of environment 100, such assettlement system 130. Connected IoT devices consistent with thedisclosed embodiments may include, but are not limited to, a wirelessprinter or copy machine, a wired or wireless network router, anetwork-connected lighting fixture, a network-connected appliance, anetwork-connected, smart thermostat, and/or a network-connectedcomponent of a security or access-control system.

Referring back to FIGS. 1A and 1B, device 102 may also include one ormore on-board or embedded sensor devices, e.g., sensor 103, which may beconfigured to monitor and capture data indicative of values of one ormore parameters characterizing an operation of device 102, andadditionally or alternatively, of an apparatus or system into whichdevice 102 is incorporated, during discrete temporal intervals, e.g.,“monitoring” periods. Sensors consistent with the disclosed embodimentsmay include, but are not limited to, a positional sensor (e.g., a globalpositioning sensor (GPS) unit), an accelerometer or other motion sensor,a temperature sensor, a sensor configured to monitor a quantity ofdigital data received and/or transmitted by device 102, a sensorconfigured to monitor a quantity of a resource consumed by device 102(e.g., electricity, water, natural gas, etc.), a sensor configured todetect an change in an operational state of device 102 (e.g., to detectan activation of device 102 and/or a connection of device 102 to asource of electrical energy), a sensor configured to detect particularchemical compounds or particulates within a liquid or gas sample, andany additional or alternate sensor device appropriate for inclusion as acomponent of device 102.

Further, in certain aspects, device 102 may be incorporated into andfunction as a component of an additional system or apparatus, and sensor103 may be configured to monitor and/or detect one or more operationcharacteristics of that additional system or apparatus. For example,device 102 may be included into a motor vehicle, such as the rentalvehicle described above, and sensor 103 may be configured to monitor andcapture data indicative of operational parameters of the vehicle, whichinclude, but are not limited to, a working speed of the vehicle'sengine, a number of shifting operations, a brake-pad thickness or anumber of detected activations of an antilock braking system (ABS)),and/or consumption of fuel by the vehicle at the successive monitoringperiods. In other instances, device 102 may be included within anetwork-accessible device, such as a wireless router and/or a wirelessprinter, and sensor 103 may be configured to monitor a quantity and/or atype of data transmitted or received by the wireless router and/or awireless printer, and additionally or alternatively, monitor operationsperformed in response to that transmitted or received data, e.g., anumber of pages printed by the wireless printer. The disclosedembodiments are not limited to these exemplary sensors orconfigurations, and in further embodiments, sensor 103 may include anyadditional or alternate type of sensor configured to monitor and capturedata indicative of any additional or alternate operational,resource-based, or environmental parameter appropriate to device 102and/or to any additional system or apparatus that incorporates device102.

Additionally, and as illustrated in FIGS. 1A and 1B, device 102 maymaintain a data repository, e.g., data repository 104, within one ormore of the tangible, non-transitory memories. Data repository 104 may,for example, include service data 104A, which stores data supporting aperformance of operations consistent with one or more provisionedservices by device 102, as described below. Data repository 104 may alsoinclude sensor configuration data 104B that for sensor 103 and anyadditional or alternate sensor, specifies a unique sensor identifier(e.g., a serial number, etc.) and further, data characterizing acorresponding sensor type and the one or more parameters monitored ordetected by that sensor type (e.g., a tachometer that measures a workingspeed of an engine in revolutions-per-minute (RPM), etc.). Datarepository 124 may also include sensor output data 104C, which storesdata captured by sensor 103 and any additional or alternate sensorduring corresponding ones of the monitoring periods.

Settlement system 130 may, in some aspects, represent a computing systemconfigured to execute software instructions (e.g., one or moreexecutable application modules) that perform operations consistent withdisclosed embodiments. For example, and as described below, settlementsystem 130 may provide, to device 102 (and to similar devices operatingwithin environment 100), elements of executable code (e.g., applicationmodules, etc.), service-related cryptograms, authentication tokens, andother service-related data that enable device 102 to perform operationsconsistent with one or more available services. Device 102 may receiveand store the executable code elements, service-related cryptograms,authentication tokens, and/or other service-related data within the oneor more tangible, non-transitory memories, which may provision device102 with the available services. In some instances, settlement system130 may be associated with a financial institution, and the availableservices may include a payment service that enables device 102 toinitiate one or more periodic micro-payment transactions reflecting aconsumption of device-specific resources (e.g., as monitored by sensor103), which settlement system 130 may process and settle in conjunctionwith one or more of third-party computing systems 160.

In one instance, settlement system 130 may include one or more servers(e.g., server 132) and tangible, non-transitory memory devices storingexecutable code and application modules. Further, server 132 may includeone or more processor-based computing devices, which may be configuredto execute portions of the stored code or application modules to performoperations consistent with the disclosed embodiments, includingoperations consistent with the exemplary micropayment settlementprocesses described herein. In other instances, and consistent with thedisclosed embodiments, settlement system 130 may correspond to adistributed system that may include computing components distributedacross one or more networks, such as network 152, or other networks,such as those provided or maintained by cloud-service providers.

As illustrated in FIGS. 1A and 1B, settlement system 130 may maintain adata repository 134 (e.g., within one or more of the tangible,non-transitory memories) that includes authentication data 134A, devicedata 134B, and settled payment data 134C. In some aspects,authentication data 134A may include data identifying one or moreauthentication credentials associated with corresponding users (e.g.,user 170), such as alpha-numeric user names, alpha-numeric passwords,biometric credentials, etc. Additionally, device data 134B may includeone or more unique identifiers of devices, e.g., device 102, that areregistered onto network 152 and further, are associated with verifieddevice identifiers and authenticated owner identifiers eligible toreceive data provisioning the one or more available services. Further,settled payment data 134C may, include, but it not limited to, dataidentifying one or more settled micro-payment transactions involvingcorresponding accounts of user 170.

In other aspects, data repository 134 may also include service data 134Dassociated with one or more services available for provisioning todevice 102 and additionally or alternatively, to other devices operatingwithin environment 100. Settlement system 130 may, in some instances,obtain portions of service data 134D from one or more of third-partycomputing systems 160, e.g., in response to a request delivered througha programmatic interface (e.g. an application programming interface(API)) or through data pushed by the one or more of third-partycomputing systems 160 at predetermined intervals). As described above,service data 134D may include, but is not limited to, elements ofexecutable code (e.g., application modules, etc.), service-relatedcryptograms, authentication tokens, and/or other service-related datathat facilitate a performance of operations consistent with the one ormore available services by device 102.

By way of example, the one or more available services may include, butare not limited to, a payment service that, when provisioned to device102, enables device 102 to perform operations that initiate periodicmicro-payment transactions reflecting changes in monitored parametervalues and additionally or alternatively, a consumption of one or moredevice-, system-, and/or apparatus-related resources, at the successivepayment periods. Further, and as described above, service data 134D mayinclude payment-service data, such as executable application modules,payment-service cryptograms, authentication tokens, and other data thatfacilitates the initiation of periodic micro-payment transactions bydevice 102, and the back-end processing and settlement of the initiatedmicro-payment transactions by settlement system 130. In some instances,the portions of the payment-service data may, among other things,identify one or more accounts held by user 170 at a financialinstitution (e.g., which may maintain one or more of third partycomputing systems 160) and include payment-service cryptograms thatenable device 102 and settlement system 130 to initiate and settle theperiodic micro-payment transactions based on funds held within the oneor more accounts of user 170.

In further aspects, the payment-service data, e.g., as stored withinservice data 134D, may include tariff data that assigns financial coststo corresponding units of time-evolving parameters and/or consumedresources. As described above, sensor 103 of device 102 may beconfigured to monitor and capture data indicative of values of one ormore parameters of device 102, and additionally or alternatively, of anapparatus or system into which device 102 is incorporated, at or duringthe successive monitoring periods. In some aspects, changes in theseparameters over the multiple monitoring periods, (e.g., whichcollectively establish the payment periods for the micro-paymenttransactions) may be indicative of a consumption of a particulardevice-, apparatus, and/or system-specific resource during the multiplemonitoring periods, and the tariff data may assign a particular cost toeach unit of these consumed device-, apparatus, and/or system-specificresources. Through the assignment of specific, unit costs to eachconsumed resource, the disclosed embodiments may enable device 102, inconjunction with settlement system 130, to initiate and settle periodicmicro-payment transactions that accurately reflect the actual, granularconsumption of the device-, apparatus, and/or system-specific resourcesduring the corresponding payment periods.

In certain aspects, third-party computing systems 160 may include one ormore individual computing systems, each of which may include computingcomponents configured to store, maintain, and generate data and softwareinstructions. For example, each of third-party computing systems 160 mayinclude one or more computing devices, which may be configured toexecute elements of code and/or software instructions (e.g., applicationmodules) stored in tangible, non-transitory mediums. Further, in someinstances, third-party computing systems 160 may be associated with ormaintained by one or more business entities, and may be configured tosupply data associated with one or more available services (e.g.,elements of executable code, service-related cryptograms, authenticationtokens, tariff data, etc.) to settlement system 130, e.g., for storagewithin corresponding portions of service data 134D. In some instances,the business entity may correspond to a financial institution that holdsone or more accounts on behalf of user 170, and one or more ofthird-party computing systems 160 may supply data to settlement system130 that facilitates a provisioning of the exemplary payment servicesdescribed herein.

In some embodiments, client device 172 may be a computing device, suchas, but not limited to, a personal computer, a laptop computer, a tabletcomputer, a notebook computer, a hand-held computer, a personal digitalassistant, a portable navigation device, a mobile phone, a smart phone,a wearable computing device (e.g., a smart watch, a wearable activitymonitor, wearable smart jewelry, and glasses and other optical devicesthat include optical head-mounted displays (OHMDs), an embeddedcomputing device (e.g., in communication with a smart textile orelectronic fabric), and any other type of computing device that may beconfigured to store data and software instructions, execute softwareinstructions to perform operations, and/or display information on adisplay device(s), consistent with disclosed embodiments. In certainembodiments, client device 172 may be associated with one or more users,such as user 170. For instance, user 170 may operate client device 172and may do so to cause client device 172 to perform one or moreoperations consistent with the disclosed embodiments.

Client device 172 may, in some aspects, include one or more tangible,non-transitory memories that store data and/or software instructions,and one or more processors configured to execute software instructions.Client device 172 may include one or more display devices that displayinformation to a user and one or more input device(s) to allow user 170to input information to client device 172 (e.g., keypad, keyboard,touchscreen, voice activated control technologies, or any other type ofknown input device). Additionally, in certain aspects, client device 172may store in memory one or more software applications that run on clientdevice 172 and are executed by the one or more processors, such as webbrowsers and various applications associated with settlement system 130,as described below.

II Exemplary Computer-Implemented Processes for Automatically PerformingOperations Based On Captured Sensor Data

In some embodiments, device 102, in conjunction with settlement system130, may perform operations that consistent with one or more provisionedservices based on sensor data captured in real-time by sensor 103. Theseperformed operations may, in certain instances, generate data thatcharacterize an actual consumption of a particular resource (e.g., anactual usage of device 102 and additionally or alternatively, anapparatus or system into which device 102 is incorporated by user 170)during successive time periods, e.g., payment intervals, based values ofmultiple, resource-specific parameters monitored and captured by sensor103 in real-time.

For example, and as described below, the provisioned service maycorrespond to a payment service enabling device 102, in conjunction withsettlement system 130, to perform operations that initiate and settleperiodic micro-payment transactions reflecting changes in monitoredvalues of certain resource-specific parameters during successive paymentintervals. In some instances, the changes in the monitored values of theresource-specific parameters may accurately reflect an actualconsumption of the particular resource during the successive timeperiods (e.g., an actual “wear and tear” of a vehicle operated by user170 throughout the successive time periods, and device 102 and/orsettlement system 130 may perform any of the exemplary processesdescribed herein, in addition to, or as an alternate to, othercomputer-implemented processes that characterize the consumption of theparticular resource based on values of global parameters, such as anaggregate time of operation.

A. Exemplary Processes for Provisioning Devices with Available Services

In certain aspects, depicted in FIG. 1A, a user associated with device102, e.g., user 170, may activate device 102, and device 102 may performoperations that establish communications with network 152. Further, adevice provisioning module 105 of device 102 may generate transmit arequest, e.g., a provisioning request 106, for one or more availableservices to settlement system 130 across network 152. In one instance,and as described above, device 102 may correspond to a connected, IoTdevice, and an activation module of the connected IoT device (not shownin FIG. 1) may establish communications across a corresponding networkwith a hub device (also not shown in FIG. 1), which may authenticate andverify an identity of the connected IoT device. In response to asuccessful authentication, a relay module of the hub device may performoperations that relay the provisioning request to settlement system 130,as described above.

Settlement system 130 may receive provisioning request 106, and in someaspects, may authenticate an identity of a user associated with device102, e.g., user 170, prior to performing operations that provision oneor more available services to device 102. In one aspect, the receivedprovisioning request may include data, such as one or moreauthentication credentials of user 170, that facilitates thatauthentication of user 170 by settlement system. For example, device 102may include an interface unit, such as a touchscreen display unit, thatpresents a graphical user interface (GUI) prompting user 170 to inputone or more authentication credentials (e.g., a user name, a password,etc.). Device 102 may receive the authentication credentials, and mayperform operations that package the received authentication credentialsinto the provisioning request, along with additional data that uniquelyidentifies device 102, such as a corresponding device serial number.

In other instances, and as described above, device 102 may correspond toa connected IoT device, which may not include an interface unit, or mayinclude an interface unit that is incapable of receiving authenticationcredentials from user 170. In come aspects, user 170 may access, throughclient device 172, a web page or other digital portal associated withsettlement system 130 (e.g., a graphical user interface (GUI) generatedby a mobile application provided by or associated with settlement system130), which may prompt user 170 to provide, to client device 172, theone or more authentication credentials in conjunction with data thatuniquely identifies device 102, such as the device serial numberdescribed above. Client device 172 may receive the one or moreauthentication credentials and the identifying data, which may bepackaged with data identifying client device 172 into authenticationinformation 135, and transmitted to settlement system 130 acrosscommunications network 152. Settlement system 130 may receiveauthentication information 135, and as described below, performoperations that authenticate the identity of user 170.

For example, as illustrated in FIG. 1A, an authentication module 136 ofserver 132 may, in some instances, process provisioning request 106 andadditionally or alternatively, authentication information 135, andextract the one or more authentication credentials and the uniqueidentifier of device 102. Authentication module 136 may, in someaspects, access authentication data 134A if data repository 134 (andadditionally or alternatively, one or more data repositories accessibleacross network 152, such as those maintained by third-party computingsystems 160), and obtain data identifying one or more storedauthentication credentials associated with or assigned to user 170, andmay perform operations that compare the one or more extractedauthentication credentials against the one or more stored authenticationcredentials to authenticate an identity of user 170. Extracted andstored authentication credentials consistent with the disclosedembodiments may include, but are not limited to, an alpha-numeric username or login associated with user 170, an alpha-numeric passwordassociated with user 170, and one or more biometric credentialsassociated with user 170 (e.g., a digital image corresponding to user170's fingerprint, a digital image of user 170's face, etc.).

In certain aspects, and upon an identification of a match between theextracted and stored authentication credentials, authentication module136 may authenticate the identity of user 170 and generate dataindicative of the successful authentication. For example, the generateddata may include, but is not limited to, a digitally signed token (e.g.,token 137) generated using a corresponding asymmetric cryptographicscheme, and authentication module 136 may store token 137 within acorresponding portion of data repository 134. Additionally, and asdescribed below, token 137 may be provided to device 102, and to otherdevices associated with user 170, within a package of provisionedservices, as described below.

In response to the authentication of user 170, authentication module 136may input token 137 to a provisioning module 138 (e.g., through acorresponding programmatic interface or API), and provisioning module138 may perform operations that obtain data associated with one or moreservices available for provisioning to device 102. For example, datarepository 134 may include service data 134D, which includes structureddata records that identify various services associated with user 170,and additionally or alternatively, with one or more authenticated usersof settlement system 130. In some instances, each of the structured datarecords may be associated with and identify a corresponding one of theavailable services, and may include data characterizing sensor, storage,processing, and/or communications capabilities of one or morecorresponding devices capable performing operations consistent with theavailable services. Additionally, each of the structured data recordsmay be linked to additional stored data (e.g., in data repository 134),including elements of executable code (e.g., application modules, etc.),service-related cryptograms, and additional service-related data, whichfacilitate the performance of operations consistent with the availableservices.

In certain aspects, provisioning module 140 may access service data134D, and may obtain portions of the structured data recordscorresponding to one or more of the services associated withauthenticated user 170 and available for provisioning to device 102. Forexample, and as described above, the one or more available services mayinclude a payment service that enables device 102 to initiate one ormore periodic micro-payment transactions reflecting a consumption ofdevice-specific resources (e.g., as monitored by sensor 103), whichsettlement system 130 may process and settle in conjunction with one ormore of third-party computing systems 160.

In some embodiments, a periodically initiated micro-payment transaction,which reflects a real-time usage or consumption of certaindevice-specific, monitored resources, may lack an association with oneor more previously settled micro-payment transactions. By way ofexample, the periodically initiated micro-payment transaction mayreflect a consumption of device-specific resources different from thosereflected by the previously settled micro-payment transactions, and maythus reflect an actual, real-time usage of device 102 or a system orapparatus that incorporates device 102.

Provisioning module 138 may, in some aspects, extract data (e.g.,payment-service data 139) from service data 134D that includesstructured data records identifying the available payment service, andfurther, elements of executable code, payment-service relatedcryptograms, tariff data, and other payment-service data that enabledevice 102 to perform operations that initiate the periodicmicro-payment transactions in accordance with the monitored parametervalues and the tariff data, as described herein. The disclosedembodiments are, however, not limited to processes that provision device102 with the available payment service, and in other aspects, thedisclosed embodiments may provision device 102 with any additional oralternate service consistent with the capabilities of device 102,further, may provision any additional or alternate device with availableservices in response to a received provisioning request.

As illustrated in FIG. 1A, provisioning module 138 may performoperations that generate a provisioning package 140 that includesportions of obtained payment-service data 139 and additionally oralternatively, token 137. For example, provisioning package 140 mayinclude, but is not limited to, data that identifies the availablepayment service, and further, the elements of executable code,payment-service cryptograms, and tariff data that enables device 102 toperform operations consistent with the available payment service (e.g.,operations that initiate one or more periodic micro-payment transactionsreflecting the consumption of device-specific resources, whichsettlement system 130 may process and settle in conjunction with one ormore of third-party computing systems 160). Settlement system 130 maytransmit provisioning package 140 to device 102 across network 152 usingany of the exemplary processes described above.

Device 102 may receive provisioning package 140, and device provisioningmodule 140 may process provisioning package 140 and store dataassociated with the available payment service within a correspondingportion of data repository 104, e.g., service data 104A. For example,the stored payment-service data may include, but is not limited to, dataidentifying the available payment service, and elements of executablecode, payment-service related cryptograms, authentication tokens, and/ortariff data that enable device 102 to perform operations that consistentwith the available payment service. In some aspects, and upon storage ofthe payment-service data, device 102 may be provisioned within theavailable payment service and may be perform operations consistent withthat provisioned payment service.

B. Exemplary Processes for Automatically Initiating and SettlingMicro-Payment Transactions Based on Obtained Sensor Data

Referring to FIG. 1B, device 102 may, in certain aspects, accessportions of the service data 104A, and based on the accessedservice-data portions, may perform operations consistent with one ormore provisioned services, such as the provisioned payment servicedescribed above. For example, the provisioned services may include apayment service that, when implemented by device 102, enables device 102to initiate periodic micro-payment transactions that reflect areal-time, instantaneous usage or consumption of device-specificresources, e.g., based on values of certain resource-specific parametersmonitored by sensor 103. In additional or alternate instances, one ormore of the periodically initiated micro-payment transactions mayreflect changes in the monitored values of certain resource-specificparameters detected by sensors 103 during successive payment periods.

The monitored values of the resource-specific parameters may, in someinstances, accurately reflect an actual, real-time consumption of theparticular resource (e.g., an actual “wear and tear” of a vehicleoperated by user 170). Further, by initiating micro-payment transactionsthat account for the monitored parameter values at a particular point intime, or that account for corresponding changes in each of the monitoredparameter values, the disclosed embodiments may assign costs to a userassociated with device 102, e.g., user 170, that reflect the actual,real-time consumption of the particular resource.

In one instance, device 102 may be incorporated into a vehicle rented byuser 170 for a corresponding rental period, and sensor 103 may beconfigured to monitor and capture sensor data, e.g., sensor data 107, atcorresponding monitoring periods (e.g., every five second, thirtysecond, minute, etc.) throughout the rental period. For example, sensor103 may correspond to a fuel-level sensor configured to monitor thevehicle's real-time consumption of liquid fuel, and sensor data 107 mayinclude, for each monitoring period, data records that uniquely identifysensor 103 (e.g., a device serial number), a fuel level within acorresponding reservoir (e.g., a gas tank), and a time stamp associatedwith the detected fuel level. In certain instances, a data aggregationmodule 108 of device 102 may perform operations that store sensor data107 within a corresponding portion of data repository 104, e.g., withinsensor output data 104C.

Additionally, in certain aspects, a service delivery module 110 mayaccess data repository 104 and extract, from service data 104A, portionsof the executable code, payment-service related cryptograms,authentication tokens, and/or tariff data (e.g., payment-service data112) enabling device 102 to perform operations that initiate a periodicmicro-payment transaction that accounts for the amount of liquid fuelconsumed in real time by the vehicle during each of a number ofsuccessive payment periods. In some aspects, each payment period may beassociated with a predetermined duration, e.g., as established by afinancial institution associated with settlement system 130 andadditionally or alternatively, one or more of the business entities thatmaintain third-party computing systems 160, such as a company thatrented the vehicle to user 170. The predetermined payment period may,for example, correspond to an instantaneous, real-time usage of thevehicle (e.g., at a particular time), and additionally or alternatively,may correspond to five minutes, thirty minutes, one hour, and anyadditional or alternate time period appropriate to device 102 and to themonitor resource and/or parameter value.

Further, and as described above, the extracted tariff data may identifya particular cost assigned to each unit of the consumed resource and/orto each unit of the monitored parameter values. These particular,resource-specific or parameter-specific costs may, in some instances, beassigned by a financial institution associated with settlement system130 and additionally or alternatively, one or more of the businessentities that maintain third-party computing systems 160, such as acompany that rented the vehicle to user 170.

By way of example, service delivery module 110 may determine, based onthe extracted tariff data, that the rental-vehicle company assigns acost of $1.50 per liter of liquid fuel consumed by the rental vehicleduring operation by user 170. In some aspects, the fuel cost, and anyaddition or alternate resource-specific or parameter-specific costsspecified within the extract tariff data, may be fixed and remainunchanged over time, or may be adaptively modified to reflecttime-varying changes in the vehicle's fuel consumption or in user 170'soperation of the vehicle. For instance, the per-unit fuel cost may bereduced to incentive user 170 to operate the vehicle more frequentlyduring the rental period.

In additional aspects, service delivery module 110 may establish, basedon payment-service data 112, a periodic payment period of five minutesfor initiating micro-payment transactions accounting for time-varyingfuel consumption of the rental vehicle. Service delivery module 110 mayperform operations that identify an expiration of a current paymentperiod, and in response to the identified expiration, access datarepository 104 and obtain a portion of sensor output data 104Cindicative of the fuel consumed by the vehicle at discrete monitoringperiods during the expired payment period (e.g., data potion 114).Service delivery module 110 may process data portion 114 to generate anaggregate amount of fuel consumed by the vehicle during the expiredpayment period, and based on the extracted tariff data, establish ausage parameter, e.g., a micro-payment amount, that reflects the actualcost of the fuel consumed by the vehicle during the expired paymentperiod.

For example, sensor 103 may be associated with a five-second monitoringperiod, and data portion 114 may include sixty discrete data recordsidentifying an amount of fuel within a corresponding reservoir atfive-second intervals throughout the expired, five-minute paymentperiod. In some aspects, service delivery module 110 may determine thatthe aggregated change in the amount of available fuel during thefive-minute payment period, and thus, the amount of fuel consumed by thevehicle during the five-minute payment period, corresponds to 0.5liters, and the based on the unit fuel cost of $1.50 per liter, servicedelivery module 110 may establish a micro-payment amount of $0.75 (e.g.,a usage parameter) reflects the actual fuel consumed by the rentalvehicle during the expired payment period.

Referring back to FIG. 1B, service delivery module 110 may, in someaspects, execute portions of the extracted elements of executable code,in conjunction with the payment-service cryptograms, which cause device102 to perform operations that initiate a micro-payment transaction forthe consumed fuel in the amount of $0.75. For example, in certaininstances, service delivery module 110 may perform operations thatgenerate a micro-payment request, e.g., request 116, which identifiesthe micro-payment amount, e.g., $0.75, and includes one or more portionsof payment-service data 112, such as the payment-service cryptogramsand/or authentication tokens that facilitate processing and back-endsettlement of the initiated micro-payment transaction by settlementsystem 130, either alone or in conjunction with one or more ofthird-party computing system 160. Device 102 may transmit micro-paymentrequest 116 to settlement system 130 across network 152 using any of theprocesses described above.

In some aspects, illustrated in FIG. 1B, settlement system 130 mayreceive micro-payment request 116, and a settlement module 142 mayperform operations that process the micro-payment request 116, identifythe corresponding micro-payment amount of $0.75, and extract portions ofthe payment-service data, such as the payment-service cryptograms. Thepayment-service cryptograms may, when decoded and accessed by settlementsystem 130, include instructions for settling the initiatedmicro-payment transactions, which include, but are not limited to,instructions to fund the micro-payment transactions by transferringfunds associated with one or more source accounts held by user 170 at,or issued to user 170 by, a corresponding financial institution toaccounts associated with the vehicle-rental company.

Settlement module 142 may, in certain aspects, perform operations thatsettle the initiated micro-payment transaction in accordance with thepayment-service cryptograms and other payment-service data, either aloneor in conjunction with one or more of third-party computing systems 160(e.g., which may be associated with the financial institution that holdsor issues user 170's financial services accounts and/or thevehicle-rental company). Further, in certain aspects, settlement module142 rely on the prior authentication of user 170, and authenticationtoken 137, when performing the one or more operations to settle theinitiated micro-payment transaction, and any subsequent micro-paymenttransactions initiated by device 102.

Upon successful settlement of the initiated micro-payment transaction,settlement module 142 may generate data indicative of the settlement,e.g., data 144, which may be stored within a portion of settled paymentdata 134C of data repository 134. Data 144 may include, for example,data that identifying the micro-payment amount, e.g., $0.75, a time anddate of micro-payment initiation and/or settlement, parties to thesettled micro-payment, e.g., user 170 and the vehicle-rental company,and additionally or alternatively, data indicative of thefinancial-services transaction associated with the micro-payment, e.g.,the transfer of funds from an account of user 170 to an account of thevehicle-rental company.

In certain aspects, sensor 103 may continue to detect the available fuellevel at each of the corresponding monitoring periods, and generateadditional sensor data, e.g., sensor data 107, which data aggregationmodule 108 may process and store within corresponding portions of sensoroutput data 104C. Using any of the exemplary processes described above,service delivery module 110 may detect an expiration of a successivepayment period, and in response to the detected expiration, performoperations that initiate successive micro-payment transactionsreflecting an actual cost of the fuel consumed by the vehicle duringthat successive payment period. In some aspects, by continuouslymonitoring the fuel consumed by the vehicle during operation by user 170and by automatically initiating successive micro-payment transactionsthat reflect an actual amount of fuel consumed by the vehicle duringcorresponding payment periods, the disclosed embodiments may establishusage parameters indicative of an actual usage of the vehicle (e.g., theactual wear-and-tear) during each of the payment periods and further,allocate costs to user 170 that reflect the actual wear-and-tear of thevehicle in real time and concurrently with that usage.

Further, by relying on the prior authentication of user 170 to settleeach of the successive micro-payment transactions initiated by device102, the disclosed embodiments may reduce a computational load (e.g., onsettlement system 130) and a network traffic (e.g., on network 152)associated with each of the micro-payment settlement processes initiatedby settlement system 130. The reduction in the computation load imposedon settlement system 130, coupled with the reduction in network traffic(and resulting increase in network bandwidth), may enable settlementsystem 130 to settle each of the micro-payment transactions initiated bydevice 102 in real-time.

In certain embodiments described above, device 102 may be incorporatedinto a vehicle, such as a vehicle rented by user 170, and may includesensor 103 configured to detect and capture data indicative of anavailable fuel level at corresponding monitoring periods. The disclosedembodiments are, however, not limited these exemplary fuel-levelsensors, and in further embodiments, sensor 103 may include anyadditional or alternate sensor type appropriate for inclusion withindevice 103 and capable of monitoring operational characteristics of thevehicle. For example, sensor types consistent with the disclosedembodiments may include, but are not limited to, sensors configured tomonitor a working speed of the vehicle's engine (e.g., in RPM), sensorsconfigured to monitoring an activity of the vehicle's transmission(e.g., to record a number of shifting operations), sensors configured tomonitor a braking activity of the vehicle (e.g., an amount of availablebrake pad or a number of activations of an available anti-lock brakingsystem (ABS)), sensors configured monitor the vehicle's odometerreading, and/or sensors configured to monitor variations in thevehicle's speed.

Additionally, although described in terms of a single sensor, e.g.,sensor 103, the disclosed embodiments are not limited to devices thatinclude only a single on-board sensor. In additional embodiments, device102 may include a plurality of individual sensors, each of which may beconfigured to monitor an operational parameter associated with thatrental vehicle. For example, device 102 may include sensor 103, which asdescribed above, may be configured to monitor and capture sensor data107 that indicate of a level of available fuel within a correspondingreservoir at each of the corresponding monitoring periods. In someinstances, device 102 may also include one or more additional sensorsthat monitor and capture data indicative of corresponding operationsparameters of the rental vehicle at each of the monitoring periods, suchas an odometer value captured at each of the monitoring periods, anumber of detected shifting operations during each of the monitoringperiods, and/or values indicative of wear-and-tear on the vehicle'sbraking system during each of the monitoring periods.

In some instances, and as described above, data aggregation module 108of device 102 may perform operations that store the time-varying sensordata captured by sensor 103 and the one or more additional sensorswithin sensor output data 104C of data repository 104, along withadditional data that uniquely identifies each of the sensors, e.g., adevice serial number, etc. Further, service delivery module 110 mayperform any of the exemplary processes described above to establish, foreach captured portion of the time-varying sensor data, a usageparameter, such as a micro-payment amount, that reflects a change in thevalues of the corresponding monitored parameter during the expiredpayment period, and initiate a corresponding micro-payment transactionfor processing and settlement by settlement system 130, either alone orin conjunction with one or more of third-party computing systems 160.

In other aspects, service delivery module 110 may perform operationsthat aggregate the micro-payment amounts established for each of thecaptured portions of the time-varying sensor data, and initiate a singlemicro-payment transaction for the aggregated micro-payment amount, whichmay be processed and settled by settlement system 130 using any of theexemplary processes described above. By initiating a singlemicro-payment transaction representing of the changes in all (or atleast a subset) of the monitored parameters of the rental vehicle duringthe expired payment period, the disclosed embodiments may determine andimpose on user 170 costs that reflect the actual wear-and-tearexperienced by the rental vehicle during the expired payment period,while reducing a computational load imposed on settlement system 130 andincreasing a speed at which settlement system 130 processes and settlesthe initiated micro-payment transaction.

In other aspects, and in addition to the on-board sensors describedabove (e.g., sensor 103), device 102 may receive additional sensor datacaptured by one or more external sensor devices (e.g., an “array” ofsensor devices) in communication with device 102 across a correspondingwired or wireless network, which may include, but is not limited to, awireless LAN, e.g., a “Wi-Fi” network, a network utilizingradio-frequency (RF) communications protocols, a NFC network, a MANconnecting multiple wireless LANs, and a WAN, e.g., the Internet. Usingany of the exemplary processes described above, device 102 may performoperations that receive and store portions of the additional sensor datain a data repository (e.g., within sensor output data 104C of datarepository 104) at corresponding monitoring periods, and may initiateone or more micro-payment transactions that reflect costs associatedwith portions of the additional sensor data received during successivepayment periods.

For example, the external sensor devices may include one or more RFIDsensor devices capable of detecting RFID data and signals transmitted bydevice 102 (e.g., through a corresponding communications module usingvarious RF communications protocols) and transmitting, to device 102,additional sensor data that indicates the detected proximity of device102 to the RFID sensor device. In certain instances, a first RFID sensordevice may be disposed at entrance of a high-occupancy-toll (HOT)roadway or other region having limited or restricted access, and theexternal sensor data may establish the presence of device 102 (and/orthe rental vehicle) within the HOT roadway at a corresponding detectiontime, and further, identify the HOT roadway and the correspondingdetection time.

As described above, data aggregation module 108 may perform operationsthat store portions of the external sensor data within sensor outputdata 104C, and service delivery module 110 may access one or morestructured data records of service data 104A and extract tariff datathat identifies the corresponding toll associated with the HOT roadway.For example, and based on the extracted tariff data, service deliverymodule 110 may determine that the presence of device 102 and/or therental vehicle within the HOT roadway imposes a toll of $1.00 on user170. In certain aspects, service delivery module 110 may perform any ofthe exemplary processes described above to initiate an additionalmicro-payment transaction to collect the imposed $1.00 toll, which maybe settled by settlement system 130, either alone or in conjunction withthird-party computing systems 160.

Further, one or more additional RFID sensor devices may be disposed atvarious tolling positions along the HOT roadway to establish thepresence of device 102 and/or the rental vehicle at these tollingpositions, which the extracted tariff data may associate with additionalimposed tolls, e.g., an additional $0.50 toll per tolling position. Insome aspects, device 102 may receive portions of external sensor datafrom successive ones of these additional RFID sensors these additionalRFID sensors detect the presence of device 102 at corresponding ones ofthe tolling positions, and using any of the exemplary processesdescribed above, device 102 may perform operations that initiatesuccessive micro-payment transactions reflect the additional imposedtolls associated with each of the successive tolling positions, whichmay be processed for settlement by settlement system 130 and/or one ormore of third-party computing system 160.

In certain aspects, by initiating and settle micro-payment transactionsreflecting both changes in parameter values monitored by on-board sensor103 during expired payment periods and external costs imposed on user170 due to the operation of the rental vehicle during the expiredpayment periods (e.g., based on sensor data captured by the one or moreexternal sensors), the disclosed embodiments may impose costs on user170 that reflect the actual wear-and-tear imposed on the rental vehicleby user 170 and the and the external costs resulting from user 101'soperation of the vehicle.

The disclosed embodiments are, however, not limited to these examples ofexternal sensor devices, external sensor data, and correspondinginitiated micro-payment transactions. In other aspects, device 102 mayreceive external sensor data from any additional or alternate externalsensor or sensor device appropriate to device 102, a system or apparatusthat includes device 102 (e.g., the rental vehicle), and/or theextracted tariff data, and may initiate any additional or alternatemicro-payment transaction to reflect costs associated with portions ofthe received external sensor data. For example, external sensor devicesconsistent with the disclosed embodiments may include, but are notlimited to, sensors devices capable of detecting a speed, position,acceleration, and/or temperature of device 102 and/or the rentalvehicle, devices capable of capturing digital images of the rentalvehicle (e.g., a speed camera operated by a law-enforcement agency), andsensor devices capable of determine a chemical composition of an exhaustof the rental vehicle.

Further, in certain embodiments described above, the rental vehicle mayincorporate a single device, e.g., device 102, configured to initiatemicro-payment transactions indicative of changes in parameter valuesmonitored by one or more sensors during corresponding payment periods.In other aspects, and consistent with the disclosed embodiments, aplurality of individual devices may be incorporated into the rentalvehicle (such as device 102, as described above), and each of theincorporated devices may include a sensor configured to monitor andcapture sensor data indicative of a corresponding one of the parametersthat characterize an operation of the rental vehicle and/or resourcesconsumed by that rental vehicle.

For example, as illustrated in FIG. 2, rental vehicle 200 mayincorporate device 102, which as described above, may include a sensor(e.g., sensor 103) configured to monitor and capture data indicative ofan available fuel level, and which may perform operations consistentwith a provisioned payment service to initiate micro-paymenttransactions reflecting the actual, real-time consumption of liquid fuelby the vehicle during successive payment periods. In additional aspects,illustrated in FIG. 2, vehicle 200 may also include a plurality ofadditional devices, e.g., devices 202, 204, and 206, which may includecomponents similar to those described above in reference to device 102.In some aspects, devices 202, 204, and 206 may include correspondingsensors configured to monitor and capture data indicative of values ofcorresponding parameters and/or resources consumed by vehicle 200.Further, devices 202, 204, and 206 may perform operations (e.g.,consistent with the payment service described above) that initiatemicro-payment transactions reflecting costs associated with changes invalues of corresponding ones of the monitored parameters during thesuccessive payment periods.

By way of example, and as described above, device 102 may include afuel-level sensor configured to capture sensor data (e.g., sensor data107) that reflects a level of fuel available to vehicle 200 atcorresponding monitoring periods (e.g., every five seconds, etc.), anddata aggregation module 108 may process and store sensor data 107 withincorresponding portions of data repository 104, e.g., sensor output data104C. Further, in one instance, device 202 may include an additionalsensor, e.g., a mileage sensor, configured to communicate with anodometer of vehicle 200 and capture data indicative of odometer readingof vehicle 200 at each of the corresponding monitoring periods.Additionally, in some instances, device 204 may include a brake-wearsensor configured to detect a thickness of a brake pad within a brakingassembly of at least one wheel of vehicle 200 (e.g., afront-passenger-side braking assembly of vehicle 200) at each of thecorresponding monitoring periods, and device 206 may include a shiftsensor coupled to an electronic or manual transmission of vehicle 200and configured to capture data indicative of a number of shiftingoperations performed during each of the corresponding monitoringperiods.

The disclosed embodiments are, however, not limited to these exemplarysensor types, and in further embodiments, devices 202, 204, and 206 mayinclude any additional or alternate type of sensor that wouldappropriate to devices 202, 204, and 206 and further, capable ofmonitoring parameters of and/or resources consumed by vehicle 200.Additionally, although described in terms of vehicle 200 that includesfour devices (e.g., device 102, 202, 204, and 206), the disclosedembodiments are not limited to these exemplary number of devices, and inother aspects, vehicle 200 may include any additional or alternatenumber of device (e.g., structured similarly to device 102) that wouldbe appropriate to vehicle 200 and capable of monitoring the operation ofvehicle 200.

As described above, each of device 202, 204, and 206 may include a dataaggregation module (e.g., similar to data aggregation module 108 ofdevice 102), which may process and store the captured sensor data withincorresponding data repositories, e.g., as maintained by device 202, 204,and 206 within corresponding tangible, non-transitory memories. Further,and using any of the exemplary processes described above, each of device202, 204, and 206 may register onto communications network 152 and maytransmit, to settlement system 130 across network 152, data requestingthe provisioning of one or more available services, such as the paymentservice described above. For example, in response to the transmittedrequests, settlement system 130 may perform operations that transmit, todevices 202, 204, and 206, elements of executable code, payment-servicerelated cryptograms, authentication tokens, and/or tariff data thatenable devices 202, 204, and 206 to perform operations that initiateperiodic micro-payment transactions reflecting the changes in themonitored parameter values and/or consumed vehicle-based resources. Incertain instances, devices 202, 204, and 206 may receive the elements ofexecutable code, payment-service related cryptograms, authenticationtokens, and/or tariff data from settlement system 130, and devices 202,204, and 206 store the received data within a corresponding datarepository maintained in one or more tangible, non-transitory memories,which may provision devices 202, 204, and 206 with the payment service.

In certain aspects, device 102 and further, devices 202, 204, and 206,may perform operations consistent with the provisioned payment serviceto monitor and capture data indicative of values of correspondingparameters of and/or resources consumed by vehicle 200 at successivemonitoring periods and, upon detection of an expiration of a paymentperiod, initiate corresponding micro-payment transactions to account forchanges in the monitored values during the expired payment period. Forexample, and as described above, service delivery module 110 mayestablish that vehicle 200 consumed 0.5 liters of fuel during anexpired, five-minute payment period, and based on portions of the tariffdata specifying a unit fuel cost of $1.50 per liter, service deliverymodule 110 may establish that a micro-payment amount of $0.75 reflectsthe actual fuel consumed by the rental vehicle during the expiredpayment period. Using any of the exemplary processes described above,service delivery module 110 may initiate a micro-payment transaction inthe established micropayment amount, e.g., $0.75, which settlementsystem 130 may settle, either alone or in conjunction with one or moreof third-party computing system 160.

Further, in some instances, the mileage sensor included within device202 may capture data indicative of a current mileage of vehicle 200 atsuccessive, five-second monitoring periods, and the data aggregationmodule of device 202 (not shown in FIG. 2) may store the capturedmileage data within the corresponding data repository, e.g., asmaintained by device 202 in the one or more tangible, non-transitorymemories. As described above, and upon detection of the expired,five-minute payment period, a service delivery module of device 202 (notshown in FIG. 2) may extract, from the corresponding data repository,the sixty data records indicative of the vehicle mileage captured duringthe expired, five-minute payment period and portions of the storedtariff data indicative of an assigned cost per unit mileage unit.

Based on the extracted data records, device 202 may determine a changein the mileage of vehicle 200 during the expired, five-minute paymentperiod. For example, the service delivery module of device 202 maydetermine that vehicle 200 travelled 12.0 kilometers during the expired,five-minute payment period, and based on the extracted tariff data, mayestablish a unit mileage cost of $0.03 per kilometer. In some aspects,and using any of the exemplary processes described above, the servicedelivery module of device 202 may determine that a micro-payment amountof $0.36 accounts for the distance travelled by vehicle 200 during theexpired, five-minute payment period, and may perform operations thatinitiate a micro-payment transaction in the amount of $0.36 to accountfor the travelled distance of 12.0 kilometers, e.g., by transmitting arequest for the $0.36 micro-payment transaction to settlement system130, which may process the request and settle the $0.36 micropayment.

Additionally, in some instances, the brake-wear sensor included withindevice 204 may capture data indicative of a current brake-pad thicknesswithin the front-passenger-side braking assembly of vehicle 200 atmonitoring periods of five seconds, and the data aggregation module ofdevice 204 (not shown in FIG. 2) may store the captured brake-wear datawithin the corresponding data repository, e.g., as maintained by device204 in the one or more tangible, non-transitory memories. As describedabove, and upon detection of the expired, five-minute payment period, aservice delivery module of device 204 (not shown in FIG. 2) may extract,from the corresponding data repository, the sixty data recordsindicative of the brake-pad thickness captured during the expired,five-minute payment period and portions of the stored tariff dataindicative of an assigned cost per unit of brake-pad thickness.

Based on the extracted data records, device 204 may determine a changein the brake-pad thickness of the front-passenger-side braking assemblyduring the expired, five-minute payment period. For example, the servicedelivery module of device 204 may determine that the detected brake-padthickness decreased by 0.02 millimeters during the expired, five-minutepayment period, and based on the extracted tariff data, may establish acost per unit brake-pad thickness of $2.00 per millimeter. In someaspects, and using any of the exemplary processes described above, theservice delivery module of device 204 may determine that a micro-paymentamount of $0.04 accounts for the brake-pad thickness consumed during theexpired, five-minute payment period, and may perform operations thatinitiate a micro-payment transaction in the amount of $0.04 to accountfor the change of 0.02 millimeters in brake-pad thickness, e.g., bytransmitting a request for the $0.04 micro-payment transaction tosettlement system 130, which may process the request and settle the$0.04 micropayment.

In further instances, the shift sensor included within device 206 maycapture data indicative of a total number of detected shiftingoperations initiated by an electronic or manual transmission of vehicle200 at the successive, five-second monitoring periods, and the dataaggregation module of device 206 (not shown in FIG. 2) may store thecaptured shifting data within the corresponding data repository, e.g.,as maintained by device 206 in the one or more tangible, non-transitorymemories. As described above, and upon detection of the expired,five-minute payment period, a service delivery module of device 206 (notshown in FIG. 2) may extract, from the corresponding data repository,the sixty data records indicative of the total number of shiftingoperations detected during the expired, five-minute payment period andportions of the stored tariff data indicative of an assigned cost perdetected shifting operation.

Based on the extracted data records, device 206 may determine a changein the number of detected shifting operations during the expired,five-minute payment period. For example, the service delivery module ofdevice 206 may determine that the electronic transmission of vehicle 200initiated three shifting operations during the expired, five-minutepayment period, and based on the extracted tariff data, may establish acost of $0.02 per detected shifting operation. In some aspects, andusing any of the exemplary processes described above, the servicedelivery module may determine that a micro-payment amount of $0.06accounts for the number of shifting operations initiated by theelectronic transmission of vehicle 200 during the expired, five-minutepayment period, and may perform operations that initiate a micro-paymenttransaction in the amount of $0.06 to account for the three detectedshifting operations, e.g., by transmitting a request for the $0.06micro-payment transaction to settlement system 130, which may processthe request and settle the $0.06 micropayment.

In certain aspects, the sensors included within devices 102, 202, 204,and 206 may continue to detect, respectively, the consumed fuel,distance travelled, consumed brake-pad thickness, and initiated shiftingoperations of vehicle 200 at the corresponding monitoring periods, andgenerate additional sensor data, which corresponding ones of the dataaggregation modules may process and store within corresponding portionsof the maintained data repositories, as described above. Further, andusing any of the exemplary processes described above, service deliverymodules of devices 102, 202, 204, and 206 may detect an expiration of asuccessive payment period, and in response to the detected expiration,perform operations that initiate successive micro-payment transactionsreflecting costs for consumed fuel, distance travelled, consumedbrake-pad thickness, and initiated shifting operations respectivelydetected by the corresponding sensors.

In some aspects, by continuously monitoring the consumed fuel, distancetravelled, consumed brake-pad thickness, and initiated shiftingoperations resulting from user 170's operation of vehicle 200 during therental period, and by automatically initiating successive micro-paymenttransactions that reflect changes in the actual values of thesemonitored vehicle parameters during corresponding payment periods, thedisclosed embodiments may establish usage parameters indicative of anactual usage of the vehicle during each of the payment periods, andfurther, the actual wear-and-tear imposed on vehicle 200 by user 170'soperation of vehicle 200. Further, through the incorporation of an arrayof devices into vehicle 200, and thus, an array of sensors capable ofmonitoring and capturing various operation parameters of vehicle 200,the disclosed embodiments may allocate costs that accurate reflect theactual wear-and-tear to user 170 in real time and concurrently with user170's operation of the vehicle.

In certain embodiments, as described above, device 102 (and similarlystructured devices 202, 204, and 206) may be incorporated within avehicle operated by user 170, e.g., vehicle 200, and may includeon-board sensors configured to capture data indicative of time-varyingvalues of corresponding vehicle parameters, such as available fuellevel, brake-pad thickness, initiated shifting operations, and/orvehicle mileage. The disclosed embodiments are, however, not limited tothese examples of vehicle-based devices, and in other embodiments,device 102 may be incorporated into any additional or alternate systemor apparatus operated by, owned by, and/or associated with user 170.

For example, device 102 may be incorporated into one or more tools, suchas electric nail gun, which user 170 may rent from a correspondingbusiness entity (e.g., which maintains one of third-party computingsystems 160) and operate during a corresponding rental period. Forexample, device 102 may include an on-board sensor, e.g., sensor 103,configured to detect a quantity of one or more resources consumed by thepneumatic nail gun at corresponding monitoring periods during operationby user 170. These consumed resources may include, but are not limitedto, a number of nails consumed by the electric nail gun during each ofthe monitoring periods and/or an amount of electrical energy consumed bythe electric nail gun during each of the monitoring periods.

For instance, the electric nail gun may be loaded with a quantity ofnails, and sensor 103 may be configured to monitor and capture dataindicative of the quantity of available nails during each of themonitoring periods. As described above, data aggregation module 108 ofdevice 102 may store the captured sensor data within a correspondingportion of data repository 104 (e.g., within sensor output data 104C),along with data that uniquely identifies sensor 103, such as a sensorserial number, and time stamps associated with each element of storedsensor data. As described above, and upon detection of the expiration ofthe five-minute payment period, service delivery module 110 of device102 may extract, from data repository 104, the sixty data recordsindicative of the number of remaining nails at each of the monitoringperiods, and may perform operations that establish a total quantity ofnails consumed through the operation of the electric nail gun during theexpired, five-minute payment period. Additionally, and as describedabove, service delivery module 110 may obtain, from service data 104A ofdata repository 104, portions of the stored tariff data indicative of acost assigned to each nail consumed during the expired, five-minutepayment period.

For example, service delivery module 110 may establish that the electricnail gun consumed twenty-three nails during the expired, five-minutepayment period, and based on the extracted tariff data, may establish acost of $0.05 per consumed nail. In some aspects, and using any of theexemplary processes described above, service delivery module 110 maydetermine a micro-payment amount of $1.15, which reflects an actual costassociated with user 170's operation of the electric nail gun during theexpired, five-minute payment period, and may perform operations thatinitiate a micro-payment transaction in the amount of $1.15, e.g., bytransmitting a request for the $1.15 micro-payment transaction tosettlement system 130, which may process the request and settle the$1.15 micropayment.

In other examples, device 102 may be incorporated into a wireless routerand may be configured to monitor a consumption of various computationaland/or networking resources, such as quantity of digital data consumedby one or more communications devices associated with user 170. Forexample, device 102 may include an on-board sensor, e.g., sensor 103,configured to detect a quantity of digital data (e.g., streaming video,etc.) received by the wireless router and consumed by variouscommunications devices connected to the wireless router duringcorresponding monitoring periods. As described above, data aggregationmodule 108 of device 102 may store the captured sensor data within acorresponding portion of data repository 104 (e.g., within sensor outputdata 104C), along with data that uniquely identifies sensor 103, such asa sensor serial number, and time stamps associated with each element ofstored sensor data.

Further, and upon detection of the expiration of the five-minute paymentperiod, service delivery module 110 of device 102 may extract, from datarepository 104, sixty data records indicative of the quantity of digitaldata received by the wireless router during each of the monitoringperiods, and may perform operations that establish a total quantity ofdigital data received by the wireless router, and thus, consumed byvarious communications devices connected to the wireless router, duringthe expired, five-minute payment period. Additionally, and as describedabove, service delivery module 110 may obtain, from service data 104A ofdata repository 104, portions of the stored tariff data indicative of acost assigned to each unit of consumed digital data during the expired,five-minute payment period.

For example, service delivery module 110 may establish that the wirelessrouter received 102 MB of digital data during the expired, five-minutepayment period, and based on the extracted tariff data, may establish acost of $0.005 per megabyte of received digital data. In some aspects,and using any of the exemplary processes described above, servicedelivery module 110 may determine a micro-payment amount of $0.51, whichreflects an actual cost associated with the digital data received by thewireless router, and thus consumed by user 170's communications devices,during the expired, five-minute payment period, and may performoperations that initiate a micro-payment transaction in the amount of$0.51, e.g., by transmitting a request for the $0.51 micro-paymenttransaction to settlement system 130, which may process the request andsettle the $0.51 micropayment.

In certain aspects, as described above, device 102 may be configured tostore sensor data (e.g., sensor data 107) captured by one or moresensors (e.g., sensor 103 and/other on-board sensors) and additionallyor alternatively, by one or more external sensors in communication withdevice 102, within corresponding portions of a data repositorymaintained in one or more tangible, non-transitory memories (e.g.,within sensor output data 104C of data repository 104). In furtheraspects, as described below, the disclosed embodiments may be configuredto record the captured sensor data (e.g., as captured by sensor 103, theone or more on-board sensors, and/or the one or more external sensors)within one or more blocks of a block-chain ledger, which may begenerated and maintained by one or more peer computing systems (notdepicted in FIGS. 1A, 1B, or 2). In certain aspects, described below,device 102, settlement system 130, and any additional or alternatecomponent of computing environment 130 may obtain the updated versionsof the generated and maintained block-chain ledger, extract portions ofthe recorded sensor data, and based on the extracted sensor data,perform any of the exemplary processes described herein to initiate andsettle periodic micro-payment transactions reflecting a real-timeconsumption or usage of various resources.

For example, device 102 may be associated with a corresponding user,e.g., user 170, and data aggregation module 108 of device 102 mayreceive and aggregate sensor data captured by sensor 102 andadditionally or alternatively, by other on-board or external sensors. Asdescribed above, data aggregation module 108 may perform operations thatgenerate a data package including portions of the captured sensor data,time stamps associated with each element of the captured sensor data,and further, a unique identifier that associates a correspondingon-board or external sensor with each element of the captured sensordata. In certain aspects, data aggregation module 108 may input thegenerate data package to a block-chain module of device 102 (notdepicted in FIGS. 1A, 1B, and 2), which may access a privatecryptographic key associated with user 170 and using the privatecryptographic key, apply a digital signature of user 170 to thegenerated data package. In some aspects, the block-chain module mayperform operations that transmit the generated data package (e.g., inunencrypted form or encrypted using any appropriate encryption scheme)and the applied digital signature to a peer computing system across acorresponding communications network, e.g., network 152.

In certain aspects, the peer computing system (not depicted in FIGS. 1A,1B, or 2) may be configured (e.g., by elements of code or other softwareinstructions executed by a corresponding processor) to receive the datapackage and digital signature, validate the received information, andfurther, generate a new block of the current block-chain ledger thatincludes the captured sensor data. For example, the peer computingsystem may validate the received data package and digital signatureusing a public key of user 170, and in response to a successfulvalidation, generate a new block that includes the captured sensor data(e.g., data representative of the new block). The peer computing systemmay also generate one or more cryptographic hashes appropriate to andrepresentative of the generated block, which the peer computing systemmay append to the current version of the block-chain ledger, thusgenerating an updated block-chain ledger. In some instances, the peercomputing system may maintain data indicative of the updated block-chainledger within a corresponding data repository (e.g., within one or moretangible non-transitory memories), and may provide the updatedblock-chain ledger to one or more devices (e.g., device 102, device 202,etc.) and/or systems (e.g., settlement system 130) operating withinenvironment 100. Further, in some aspects, the peer computing system,and additionally or alternatively, one or more additional peer computingsystems accessible across network 152, may function as a “miner” thatvalidates received data and generates updated versions of theblock-chain ledgers.

In some aspects, the one or more device and/or systems may receive dataindicative of the updated block-chain ledger from the peer computingsystem across network 152, and may perform operations to verify andextract portions of the captured sensor data from the updatedblock-chain ledger. For example, one or more of devices 102, 202, 204,or 206 may extract captured sensor data representative of a monitoredconsumption of device-specific resources (or resources associated with asystem or apparatus into which these devices are incorporated) andperform any of the exemplary processes described herein to initiate amicro-payment transaction that reflects a real-time consumption of theseresources. In other instances, settlement system 130 may extractportions of the captured sensor data from the updated block-chainledger, and based on portions of the captured sensor data, performoperations that initiate and settle one or more micro-paymenttransactions that reflect a real-time consumption of the device-specificresources.

Further, and as described above, one or more devices (e.g., device 102)_may be incorporated within a vehicle rented by user 170 over aparticular rental period, e.g., a rental period of one hour, Forinstance, device 102 may include sensor 103, which may be configured tomonitor a level of fuel available to the vehicle at discrete monitoringintervals, and based on tariff data provisioned to device 102 bysettlement system 130, initiate periodic micro-payment transactions thatreflect an actual cost of the vehicle's real-time, instantaneous fuelconsumption.

In some aspects, the tariff data may form a portion of a rental contractestablished between user 170 and a vehicle-rental company. The rentalcontract may, in some instances, specify the rental period (e.g., onehour), the tariff data establishing the unit cost of consumed fuel(e.g., $1.50 per liter of consumed fuel), and information identifyingone or more financial terms, such as a source account of user 170 thatfunds rental costs (including the exemplary micro-payment transaction)and an account of the vehicle-rental company that receives the rentalcosts. In one instance, the contract may be a written agreement, whichuser 170 may execute prior to picking up the rental vehicle. In otherinstances, and consistent with the disclosed embodiments, the rentalcontract may corresponding to a digital or electronic contract (e.g., an“e-contract”), the terms of which a computing system associated with thevehicle-rental company (e.g., one or more of third-party computingsystems 160) may transmit to the peer computing system for inclusionwithin a new block of a block-chain ledger.

For example, and as described, a block-chain module of thevehicle-rental-agency computer system may receive data indicative of theterms of the rental contract (e.g., the tariff data establishing theunit cost of the consumed fuel), and may perform operations that apply acorresponding digital signature to the rental-contract data using any ofthe exemplary processes described above. In some aspects, theblock-chain module of the vehicle-rental-agency computer system maytransmit the rental-contract data and the applied digital signature tothe peer computing system, which may generate a new block that includesthe rental-contract data, generate one or more cryptographic hashesappropriate to and representative of the new block, and append the newblock to the current version of the block-chain ledger using any of theprocesses described above. In some instances, the peer computing systemmay maintain data indicative of an updated block-chain ledger within acorresponding data repository (e.g., within one or more tangiblenon-transitory memories), and may provide the updated block-chain ledgerto one or more devices (e.g., device 102, device 202, etc.) and/orsystems (e.g., settlement system 130) within environment 100. In certainaspects, by incorporating portions of the tariff data into block-chainledgers maintained and distributed by the peer computing system, thedisclosed embodiments may enable the vehicle-rental-agency computingsystem to push updates to the tariff data to all affected partiesthrough a single transmission of updated data to the peer computingsystem.

In one aspect, device 102 may receive the updated block-chain ledger,and perform any of the exemplary processes described herein to extractportions of tariff data from the updated block-chain ledger (e.g., theunit cost of $1.50 per liter of consumed fuel), obtain portions of thecaptured sensor data indicative of the real-time consumption of fuel bythe vehicle (e.g., the consumed 0.5 L of fuel from sensor data 107), andinitiate a micro-payment transaction in the amount of $0.75, whichreflects the actual fuel consumption of the vehicle. For example, asdescribed above, device 102 may generate, and transmit to settlementsystem 130, a micro-payment request that identifies the micro-paymentamount, e.g., $0.75, and includes payment-service data, such as thepayment-service cryptograms and/or authentication tokens that facilitateprocessing and back-end settlement of the initiated micro-paymenttransaction by settlement system 130, either alone or in conjunctionwith one or more of third-party computing system 160.

In other instances, settlement system 130 may receive the transmittedmicro-payment request, and further, may obtain the updated block-chainledger that includes, among other things, rental-contract dataidentifying the one or more financial terms of the agreement, such asthe source account of user 170 that funds the initiated micro-paymenttransaction and the account of the vehicle-rental company that receivesthe proceeds of the micro-payment transaction. Settlement system 130 mayextract the financial terms from the updated block-chain ledger, and mayperform any of the exemplary processes described herein to settle theinitiated micro-payment transaction in accordance with the correspondingpayment-service data (e.g., the payment-service cryptograms,authentication tokens, and other payment-service data) and the financialterms obtained from the updated block-chain ledger, either alone or inconjunction with one or more of third-party computing systems 160. Insome aspects, settlement system 130 may be configured to ensure eachparty's performance of the terms of the digital or electronic contractfor the rental of the vehicle, and further, to settle one or moreperiodic micro-payment transactions in accordance with the terms of thatdigital or electronic contract. Further, upon settlement of theinitiated micro-payment transaction, and any additional or alternatemicro-payment transaction, settlement system 130 may perform additionaloperations that transmit data indicative of the settlement micro-paymenttransaction or transactions, along with applied digital signatures, tothe peer computing system for inclusion in a new block of theblock-chain ledger, as described above.

FIG. 3 is a flowchart of an example process 300 for automaticallyperforming operations consistent with one or more provisioned servicesbased on sensor data captured by one or more on-board sensors orexternal sensor devices, in accordance with the disclosed embodiments.In some aspects, a device, e.g., device 102 of FIG. 1, may perform thesteps of example process 300. For example, and as described above,device 102 may perform operations that register device 102 onto acorresponding network, e.g., network 152, and request from acorresponding settlement system, e.g., settlement system 130, data thatprovisions device 102 with one or more available services, whichinclude, but are not limited to, a payment service that enables device102 to initiate micro-payment transactions reflecting costs associatedwith changes in parameter values monitored by the one or more on-boardor external sensor devices during successive payment periods. Theseperformed operations may, in certain instances, accurately characterizean actual consumption of a particular resource (e.g., an actual usage ofdevice 102 and additionally or alternatively, an apparatus or systemthat includes device 102, such as a vehicle, a network router, etc.)during each of the successive, temporal payment periods, and further,impose costs on a user associated with device 102, e.g., user 170, thatreflect the determined, real-time consumption of the particularresource.

Referring to FIG. 3, device 102 may receive provisioning data (e.g., aprovisioning package) from settlement system 130 that identifies one ormore available services and includes service data that enables device102 to perform operations consistent with the one or more availableservices (e.g., in step 302). In certain aspects, and as describedabove, settlement system 130 may receive the request for availableservices from device 102 (e.g., a provisioning request), and upon asuccessful authentication of user 170, perform operations that obtainportions of the service data from a corresponding data repository (e.g.,from service data 134D of data repository 134) and packaged the obtainedservice data into the provisioning package for delivery to device 102.Settlement system 130 may transmit the generated provisioning package todevice 102 across network 152, and device 102 may receive thetransmitted provisioning package in step 302.

For example, the one or more available services may include a paymentservice, and the provisioning package may include elements of executablecode (e.g., executable application modules, etc.), payment-servicecryptograms, authentication tokens, tariff data, and otherpayment-service data that enables device 102 to perform operationsconsistent with the available payment service. Device 102 may storeportions of the received provisioning package within a data repositorymaintained within one or more tangible, non-transitory memories, whichmay provision device 102 with the available payment service and enabledevice 102 to automatically initiate periodic micro-payment transactionsreflecting changes in parameter values monitored by correspondingon-board or external sensors during successive payment periods.

In some aspects, device 102 may receive sensor data indicative of valuesof one or more parameters of device 102, and additionally oralternatively, a system or apparatus into which device 102 isincorporated (e.g., the vehicle, network router, or pneumatic nail gundescribed above), at corresponding monitoring periods (e.g., in step304). For example, and as described above, device 102 may beincorporated into a vehicle, and may include an on-board fuel-levelsensor (e.g., sensor 103) configured to monitor and capture data (e.g.,sensor data 107) indicative a level of fuel available to the vehicle atsuccessive, five-second monitoring periods. Device 102 may, in certaininstances, store portions of the captured sensor data within datarepository 104 (e.g., within sensor output data 104C), along with aunique identifier of the fuel-level sensor, such as a sensor serialnumber, and time stamps of each element of the captured sensor data. Thedisclosed embodiments are, however, not limited to these examples ofsensors and captured sensor data, and in other embodiments, device 102may receive and store data captured by any additional or alternateon-board or external sensor (e.g., a brake-wear sensor, a mileagesensor, a shift sensor, a RFID sensor, a transmitted data sensor, etc.)configured to capture data indicative of one or more monitored parametervalues at any additional or alternate monitoring period.

Referring back to FIG. 3, device 102 may identify a current paymentperiod associated with the provisioned payment service and detect anexpiration of the current payment period (e.g., in step 306). Forexample, device 102 may access portions of service data 104B and extractdata indicative of a starting time and a duration of the current paymentperiod (e.g., a five-minute interval). Based on the extracted data,device 102 may determine in step 306 that a current time falls outsidethe five-minute interval of the starting time, and thus, detect theexpiration of the current payment period. Further, and in response tothe detected expiration, device 102 may initiate a new payment period,e.g., by storing data indicative of an updated starting time for the newpayment period within service data 104B of data repository 104 (e.g., instep 308).

In further response to the identified expiration, device 102 may performoperations that initiate one or more micro-payment transactions thatreflect a change in the parameter values monitored by the on-board orexternal sensors during the expired payment period (e.g., in step 310).In some aspects, device 102 may access data repository 104 (e.g., sensoroutput data 104C), and obtain data indicative of one or more parametervalues captured by corresponding on-board or external sensors atdiscrete monitoring periods during the expired payment period. Using anyof the exemplary processes described above, device 102 may establish achange in the values of each of the monitored parameter values, andbased on portions of the stored tariff data, determine usage parameters,e.g., micro-payment amounts, that reflect actual costs associated withcorresponding ones of the changes in the monitored parameter values.

By way of example, and as described above, device 102 may beincorporated into a vehicle operated by user 170, and may include anon-board, fuel-level sensor (e.g., sensor 103) configured to capturedata indicative of an available fuel level at five-second monitoringperiods, which device 102 may store within sensor output data 104C ofdata repository 104. In some aspects, in step 310, device 102 may accesssensor output data 104C, and obtain a portion of the stored sensor datathat corresponds to the available fuel amounts captured by sensor 103during the expired, five-minute payment period. The obtained sensor datamay, for example, include sixty discrete data records identifying theamount of fuel within a corresponding reservoir at five-second intervalsthroughout the expired, five-minute payment period, and device 102 mayperform operations that compute a change in the detected fuel amountduring the expired, five-minute payment period, and thus, an amount offuel consumed by the vehicle throughout the expired, five-minute paymentperiod.

Device 102 may also access the stored service data (e.g., service 104Aof data repository 104), and may extract tariff data that identifies aunit cost of the consumed liquid fuel. For example, and based on theobtained sensor data, device 102 may establish that the vehicle consumed0.5 liters of fuel during the expired, five-minute payment period, andmay determine that the extracted tariff data specifies a unit cost of$1.50 per liter for the consumed fuel. Further, device 102 may determinethat a micro-payment amount of $0.75 (e.g., the usage parameter)reflects the actual cost of the fuel consumed by the vehicle during theexpired, five-minute payment period.

In some aspects, in step 310, device 102 may execute portions of thestored elements of executable code in conjunction with thepayment-service cryptograms, authentication tokens, and/or otherpayment-service data, which causes device 102 to perform operations thatinitiate a micro-payment transaction reflecting the $0.75 cost of theconsumed fuel during the expired, five-minute payment period. Asdescribed above, one or more block-chain ledgers, e.g., as received fromthe peer computing system described above, may incorporate portions ofthe sensor data (e.g., the 0.5 L of consumed fuel) and further, terms ofa digital or electronic contract for the rental of the vehicle (e.g.,which specifies portions of the tariff data, such as the $1.50 cost perliter of consumed fuel). Device 102 may, in some instances, extract theportions of the sensor data and/or the portions of the tariff data fromthe one or more block-chain ledgers, and may perform operations thatinitiate the micro-payment transaction based on the extracted portionsof the sensor and/or tariff data.

By way of example, and using any of the exemplary processes describedabove, device 102 may generate a request that settlement system 130process and settle the initiate micro-payment transaction that reflectsthe $0.75 actual cost of the fuel consumed by the vehicle during theexpired, five-minute payment period. The generated request, e.g., amicro-payment request, may include data that identifies themicro-payment amount, e.g., $0.75, and additionally or alternatively,one or more portions of payment-service cryptograms, authenticationtokens, and/or other payment-service data that facilitate processing andback-end settlement of the initiated micro-payment transaction bysettlement system 130.

Referring back to FIG., 3, device 102 may transmit the generatedmicro-payment request to settlement system 130 across network 152 usingany of the exemplary processes described above (e.g., in step 312). Incertain aspects, settlement system 130 may receive the transmittedmicro-payment request, and as described above, may process the receivedmicro-payment request, identify the corresponding micro-payment amountof $0.75, and extract the payment-service cryptograms, authenticationtokens, and/or other include payment-service data. Settlement system 130may, in further aspects, perform any of the exemplary processesdescribed above to settle the initiated micro-payment transactions inaccordance with the payment-service cryptograms, authentication tokens,and other payment-service data, either alone or in conjunction with oneor more of third-party computing systems 160 (e.g., which may beassociated with the financial institution that holds or issues user170's financial services accounts and/or the vehicle-rental company).

Further, and as described above, one or more block-chain ledgers, e.g.,as maintained by the peer computing system described above, mayincorporate terms of the digital or electronic contract for the rentalof the vehicle, such as financial terms identifying a source account ofuser 170 that funds the initiated micro-payment transactions and anaccount of the vehicle-rental company that receives the proceeds of themicro-payment transactions. Settlement system 130 may obtain thefinancial terms from the one or more block-chain ledgers, and performoperations that settle initiated micro-payment transactions inaccordance with the financial terms of the rental agreement. In otheraspects, settlement system 130 may rely on the prior authentication ofuser 170, and the corresponding authentication token, when performingthe one or more operations to settle the initiated micro-paymenttransaction, and any subsequent micro-payment transactions initiated bydevice 102.

In some aspects, upon transmission of the generated micro-paymenttransaction request to settlement system 130, device 102 may determinewhether the new payment period (e.g., as established in step 308) hasnow expired (e.g., in step 314). For example, and as described above,device 102 may access portions of stored service data 104B to identifythe updated start time of the new payment period (e.g., a five-minutepayment period), and may determine in step 314 whether the current timefalls within the five-minute interval of that updated start time.

If device 102 were to determine that the current time falls within thefive-minute interval of the updated start time, and thus, that the newpayment period remains unexpired (e.g., step 314; NO), exemplary process300 may pass back to step 304, and in some aspects, device 102 maycontinue to receive sensor data captured by the one or more on-board orexternal sensors, as described above. If, however, device 102 were todetermine that the current time falls outside the five-minute intervalof the updated start time, and thus, that the new payment period is nowexpired (e.g., step 316; YES), device 102 may perform operations thatdetermine whether user 170 continues to operate device 102, andadditionally or alternatively, the system or apparatus that includesdevice 102, e.g., the vehicle, network router, or pneumatic nail gundescribed above (e.g., in step 316).

For example, and as described above, device 102 may be incorporated intoa vehicle, and in step 316, device 102 may obtain data indicate of acontinued operation of vehicle 200 by user 170. In some instances,device 102 may perform operations that access an on-board computingsystem maintained by vehicle 200 (e.g., through a correspondingprogrammatic interface, such as an application programming interface(API)), and access data indicative an operation state of vehicle 200,such as data indicative whether an engine of vehicle 200 is currentlyoperating. In response to the accessed data, device 102 may determinewhether user 170 continues to operate vehicle 200 (e.g., in step 316).

If device were to determine that device 102, and additionally oralternatively, the system or apparatus that includes device 102, remainsoperational (e.g., step 316; YES), exemplary process 300 may pass backto step 308. For example, and as described above, device 102 may performoperations that initiate a new payment period, e.g., by storing dataindicative of an updated starting time for the new payment period withinservice data 104B of data repository 104 (e.g., in step 308), and thatinitiate one or more micro-payment transactions that reflect a change inthe values of the corresponding operational parameters monitored by theon-board or external sensors during the newly-expired payment period(e.g., in step 310). If, however, device 102 were to determine that user170 no only operates device 102, or the system or apparatus thatincludes device 102 (e.g., step 316; NO), then exemplary process 300 maybe complete in step 318.

III. Exemplary Hardware and Software Implementations

Embodiments of the subject matter and the functional operationsdescribed in this specification can be implemented in digital electroniccircuitry, in tangibly-embodied computer software or firmware, incomputer hardware, including the structures disclosed in thisspecification and their structural equivalents, or in combinations ofone or more of them. Embodiments of the subject matter described in thisspecification, including device provisioning module 105, dataaggregation module 108, service delivery module 110, other discloseddata aggregation modules and service delivery modules, authenticationmodule 135, provisioning module 138, and settlement module 142, can beimplemented as one or more computer programs, i.e., one or more modulesof computer program instructions encoded on a tangible non-transitoryprogram carrier for execution by, or to control the operation of, dataprocessing apparatus. Additionally or alternatively, the programinstructions can be encoded on an artificially-generated propagatedsignal, such as a machine-generated electrical, optical, orelectromagnetic signal that is generated to encode information fortransmission to suitable receiver apparatus for execution by a dataprocessing apparatus. The computer storage medium can be amachine-readable storage device, a machine-readable storage substrate, arandom or serial access memory device, or a combination of one or moreof them.

The term “data processing apparatus” refers to data processing hardwareand encompasses all kinds of apparatus, devices, and machines forprocessing data, including by way of example a programmable processor, acomputer, or multiple processors or computers. The apparatus can also beor further include special purpose logic circuitry, such as an FPGA(field programmable gate array) or an ASIC (application-specificintegrated circuit). The apparatus can optionally include, in additionto hardware, code that creates an execution environment for computerprograms, such as code that constitutes processor firmware, a protocolstack, a database management system, an operating system, or acombination of one or more of them.

A computer program, which may also be referred to or described as aprogram, software, a software application, a module, a software module,a script, or code, can be written in any form of programming language,including compiled or interpreted languages, or declarative orprocedural languages, and it can be deployed in any form, including as astand-alone program or as a module, component, subroutine, or other unitsuitable for use in a computing environment. A computer program may, butneed not, correspond to a file in a file system. A program can be storedin a portion of a file that holds other programs or data, such as one ormore scripts stored in a markup language document, in a single filededicated to the program in question, or in multiple coordinated files,such as files that store one or more modules, sub-programs, or portionsof code. A computer program can be deployed to be executed on onecomputer or on multiple computers that are located at one site ordistributed across multiple sites and interconnected by a communicationnetwork.

The processes and logic flows described in this specification can beperformed by one or more programmable computers executing one or morecomputer programs to perform functions by operating on input data andgenerating output. The processes and logic flows can also be performedby, and apparatus can also be implemented as, special purpose logiccircuitry, such as an FPGA (field programmable gate array) or an ASIC(application-specific integrated circuit).

Computers suitable for the execution of a computer program include, byway of example, general or special purpose microprocessors or both, orany other kind of central processing unit. Generally, a centralprocessing unit will receive instructions and data from a read-onlymemory or a random access memory or both. The essential elements of acomputer are a central processing unit for performing or executinginstructions and one or more memory devices for storing instructions anddata. Generally, a computer will also include, or be operatively coupledto receive data from or transfer data to, or both, one or more massstorage devices for storing data, such as magnetic, magneto-opticaldisks, or optical disks. However, a computer need not have such devices.Moreover, a computer can be embedded in another device, such as a mobiletelephone, a personal digital assistant (PDA), a mobile audio or videoplayer, a game console, a Global Positioning System (GPS) receiver, or aportable storage device, such as a universal serial bus (USB) flashdrive, to name just a few.

Computer-readable media suitable for storing computer programinstructions and data include all forms of non-volatile memory, mediaand memory devices, including by way of example semiconductor memorydevices, such as EPROM, EEPROM, and flash memory devices; magneticdisks, such as internal hard disks or removable disks; magneto-opticaldisks; and CD-ROM and DVD-ROM disks. The processor and the memory can besupplemented by, or incorporated in, special purpose logic circuitry.

To provide for interaction with a user, embodiments of the subjectmatter described in this specification can be implemented on a computerhaving a display device, such as a CRT (cathode ray tube) or LCD (liquidcrystal display) monitor, for displaying information to the user and akeyboard and a pointing device, such as a mouse or a trackball, by whichthe user can provide input to the computer. Other kinds of devices canbe used to provide for interaction with a user as well; for example,feedback provided to the user can be any form of sensory feedback, suchas visual feedback, auditory feedback, or tactile feedback; and inputfrom the user can be received in any form, including acoustic, speech,or tactile input. In addition, a computer can interact with a user bysending documents to and receiving documents from a device that is usedby the user; for example, by sending web pages to a web browser on auser's device in response to requests received from the web browser.

Implementations of the subject matter described in this specificationcan be implemented in a computing system that includes a back-endcomponent, such as a data server, or that includes a middlewarecomponent, such as an application server, or that includes a front-endcomponent, such as a client computer having a graphical user interfaceor a Web browser through which a user can interact with animplementation of the subject matter described in this specification, orany combination of one or more such back-end, middleware, or front-endcomponents. The components of the system can be interconnected by anyform or medium of digital data communication, such as a communicationnetwork. Examples of communication networks include a local area network(LAN) and a wide area network (WAN), such as the Internet.

The computing system can include clients and servers. A client andserver are generally remote from each other and typically interactthrough a communication network. The relationship of client and serverarises by virtue of computer programs running on the respectivecomputers and having a client-server relationship to each other. In someimplementations, a server transmits data, such as an HTML page, to auser device, such as for purposes of displaying data to and receivinguser input from a user interacting with the user device, which acts as aclient. Data generated at the user device, such as a result of the userinteraction, can be received from the user device at the server.

While this specification contains many specifics, these should not beconstrued as limitations on the scope of the invention or of what may beclaimed, but rather as descriptions of features specific to particularembodiments of the invention. Certain features that are described inthis specification in the context of separate embodiments may also beimplemented in combination in a single embodiment. Conversely, variousfeatures that are described in the context of a single embodiment mayalso be implemented in multiple embodiments separately or in anysuitable sub-combination. Moreover, although features may be describedabove as acting in certain combinations and even initially claimed assuch, one or more features from a claimed combination may in some casesbe excised from the combination, and the claimed combination may bedirected to a sub-combination or variation of a sub-combination.

Similarly, while operations are depicted in the drawings in a particularorder, this should not be understood as requiring that such operationsbe performed in the particular order shown or in sequential order, orthat all illustrated operations be performed, to achieve desirableresults. In certain circumstances, multitasking and parallel processingmay be advantageous. Moreover, the separation of various systemcomponents in the embodiments described above should not be understoodas requiring such separation in all embodiments, and it should beunderstood that the described program components and systems maygenerally be integrated together in a single software product orpackaged into multiple software products.

In each instance where an HTML file is mentioned, other file types orformats may be substituted. For instance, an HTML file may be replacedby an XML, JSON, plain text, or other types of files. Moreover, where atable or hash table is mentioned, other data structures (such asspreadsheets, relational databases, or structured files) may be used.

While this specification contains many specifics, these should not beconstrued as limitations, but rather as descriptions of featuresspecific to particular implementations. Certain features that aredescribed in this specification in the context of separateimplementations may also be implemented in combination in a singleimplementation. Conversely, various features that are described in thecontext of a single implementation may also be implemented in multipleimplementations separately or in any suitable sub-combination. Moreover,although features may be described above as acting in certaincombinations and even initially claimed as such, one or more featuresfrom a claimed combination may in some cases be excised from thecombination, and the claimed combination may be directed to asub-combination or variation of a sub-combination.

Similarly, while operations are depicted in the drawings in a particularorder, this should not be understood as requiring that such operationsbe performed in the particular order shown or in sequential order, orthat all illustrated operations be performed, to achieve desirableresults. In certain circumstances, multitasking and parallel processingmay be advantageous. Moreover, the separation of various systemcomponents in the implementations described above should not beunderstood as requiring such separation in all implementations, and itshould be understood that the described program components and systemsmay generally be integrated together in a single software product orpackaged into multiple software products.

Various embodiments have been described herein with reference to theaccompanying drawings. It will, however, be evident that variousmodifications and changes may be made thereto, and additionalembodiments may be implemented, without departing from the broader scopeof the disclosed embodiments as set forth in the claims that follow.

Further, other embodiments will be apparent to those skilled in the artfrom consideration of the specification and practice of one or moreembodiments of the present disclosure. It is intended, therefore, thatthis disclosure and the examples herein be considered as exemplary only,with a true scope and spirit of the disclosed embodiments beingindicated by the following listing of exemplary claims.

What is claimed is:
 1. A device, comprising: a storage unit storinginstructions; a first sensor configured to detect a first deviceparameter; and at least one processor coupled to the first sensor andthe storage unit, the at least one processor being configured to executethe instructions to: obtain service data identifying a serviceprovisioned to the device; obtain first sensor data captured by thefirst sensor during an operation of the device, the first sensor databeing indicative of values of the first device parameter; based on thefirst sensor data, generate a usage parameter that characterizes theoperation of the device during a temporal period; and perform anoperation consistent with the provisioned service in accordance with thegenerated usage parameter.
 2. The device of claim 1, wherein the atleast one processor is further configured to: detect a completion of thetemporal period; and perform the operation consistent with theprovisioned service in response to the detected completion of thetemporal period.
 3. The device of claim 1, wherein: the first sensor isconfigured to detect the first device parameter during a plurality oftemporal periods; and the at least one processor is further configuredto: generate a plurality of usage parameters based on portions of thefirst sensor data, the usage parameters characterizing the operation ofthe device during corresponding ones of the plurality of temporalperiods; and repeatedly perform the operation consistent with theprovisioned service in accordance with each of the generated usageparameters.
 4. The device of claim 1, wherein: the at least oneprocessor is further configured to establish a communications sessionwith a second sensor across a network; the second sensor is disposedwithin an environment in which the device operates; and the secondsensor detects a second device parameter that characterizes theoperation of the device within the environment.
 5. The device of claim4, wherein the at least one processor is further configured to: receivesecond sensor data from the second sensor during the operation of thedevice, the second sensor data being indicative of a value of the seconddevice parameter; and generate the usage parameter that characterizesthe operation of the device based on a combination of the first andsecond sensor data.
 6. The device of claim 4, wherein the at least oneprocessor is further configured to: establish communications sessionswith a plurality of second sensors disposed within the environment, thesecond sensors detecting second device parameters that characterize theoperation of the device within the environment; receive portions of thesecond sensor data from the second sensor devices during the operationof the device, the second sensor data portions being indicative ofvalues of corresponding ones of the second device parameters; andgenerate the usage parameter that characterizes the operation of thedevice during the temporal period based on a combination of the firstsensor data and the potions of the second sensor data.
 7. The device ofclaim 4, wherein the second device parameter detected by the secondsensor comprises at least one of a speed of the device, an accelerationof the device, a geographic position of the device, or a temperature ofthe device.
 8. The device of claim 1, wherein: the provisioned servicecomprises a payment service; the at least one processor is furtherconfigured to obtain tariff data associated with the payment service,the tariff data specifying unit costs for each of the first deviceparameters; the generated usage parameter corresponds to an aggregatecost associated with the operation of the device by the user during thetemporal period; and the at least one processor is further configured toinitiate a transaction involving a transfer of funds in an amount of theaggregated cost from an account of the user to an account held by anentity associated with the device.
 9. The device of claim 8, wherein theat least one processor is further configured to: determine, for each ofthe first device parameters, a parameter cost based on correspondingones of the unit costs and the obtained values; and compute theaggregate cost as a sum of the determined parameters costs.
 10. Thedevice of claim 1, wherein: the device further comprises a plurality offirst sensors configured to detect corresponding first deviceparameters; and the at least one processor is further configured to:obtain portions of the first sensor data captured by corresponding onesof the first sensors during the operation of the device, the obtainedportions of the first sensor data being indicative of values ofcorresponding ones of the first device parameters; and generate theusage parameter based on the obtained portions of the first sensor data.11. A computer-implemented method, comprising: obtaining, by at leastone processor, data identifying a service provisioned to a device, thedevice comprising a sensor configured to detect a device parameter;obtaining, by the at least one processor, sensor data captured by thesensor during an operation of the device, the sensor data beingindicative of values of the device parameter; based on the sensor data,generating, by the at least one processor, a usage parameter thatcharacterizes the operation of the device during a temporal period; andperforming, by the at least one processor, an operation consistent withthe provisioned service in accordance with the generated usageparameter.
 12. A system, comprising: a plurality of first sensors, thefirst sensors being configured to detect first device parameters; and acommunications device, the communications device comprising: a storageunit storing instructions; and at least one processor coupled to thestorage unit and the first sensors, the at least one processor beingconfigured to execute the instructions to: obtain data indicative of aservice provisioned to the communications device; obtain first sensordata captured by corresponding ones of the first sensors during anoperation of the system, the first sensor data being indicative ofvalues of corresponding ones of the first device parameters; based onthe first sensor data, generate a usage parameter that characterizes theoperation of the system during a temporal period; and perform anoperation consistent with the provisioned service in accordance with thegenerated usage parameter.
 13. The system of claim 12, wherein the atleast one processor is further configured to: detect a completion of thetemporal period; and perform the operation consistent with theprovisioned service in response to the detected completion of thetemporal period.
 14. The system of claim 12, wherein: the first sensorsare configured to detect the first device parameters during a pluralityof temporal periods; and the at least one processor is furtherconfigured to: generate a plurality of usage parameters based onportions of the first sensor data, the usage parameters characterizingthe operation of the device during corresponding ones of the pluralityof temporal periods; and repeatedly perform the operation consistentwith the provisioned service in accordance with each of the generatedusage parameters.
 15. The system of claim 12, wherein: the at least oneprocessor is further configured to establish a communications sessionwith a second sensor across a network; the second sensor is disposedwithin an environment in which the device operates; and the secondsensor detects a second device parameter that characterizes theoperation of the device within the environment.
 16. The system of claim15, wherein the at least one processor is further configured to: receivesecond sensor data from the second sensor during the operation of thedevice, the second sensor data being indicative of a value of the seconddevice parameter; and generate the usage parameter that characterizesthe operation of the device based on a combination of the first andsecond sensor data.
 17. The system of claim 15, wherein the at least oneprocessor is further configured to: establish communications sessionswith a plurality of second sensors disposed within the environment, thesecond sensors detecting second device parameters that characterize theoperation of the device within the environment; receiving portions ofthe second sensor data from the second sensor devices during theoperation of the device, the second sensor data portions beingindicative of values of corresponding ones of the second deviceparameters; and generating the usage parameter that characterizes theoperation of the device during the temporal period based on acombination of the first sensor data and the potions of the secondsensor data.
 18. The system of claim 15, wherein the second deviceparameter detected by the second sensor comprises at least one of aspeed of the device, an acceleration of the device, a geographicposition of the device, or a temperature of the device.
 19. The systemof claim 12, wherein: the provisioned service comprises a paymentservice; the at least one processor is further configured to obtaintariff data associated with the payment service, the tariff dataspecifying unit costs for each of the first device parameters; thegenerated usage parameter corresponds to an aggregate cost associatedwith the operation of the device by the user during the temporal period;and the at least one processor is further configured to initiate atransaction involving a transfer of funds in an amount of the aggregatedcost from an account of the user to an account held by an entityassociated with the device.
 20. The system of claim 19, wherein the atleast one processor is further configured to: determine, for each of thefirst device parameters, a parameter cost based on corresponding ones ofthe unit costs and the obtained values; and compute the aggregate costas a sum of the determined parameters costs.